ComplaintsforAmscot Corporation

• Initial Complaint

  04/18/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The reason I was not able to file within a year was because this involved a serious crime that was largely concealed and just discovered. Amscot employs notary publics, my identification was stolen and used to forge a quit claim deed. Their employee who only served one term as a notary, signed off in a quit claim deed by someone using my identity. Their employee knew the thief as well as the witness to the forgery and claims she didnt. She also said, they often pull, strangers off the street to witness deeds. I have never, nor would I ever step foot in an amscot and to think that if this is their practice and how they train notaries it is reprehensible. I find it hard to believe this is allowed in a state where quit claim deed fraud is common. If they employee fly by night notaries, they should be required to keep a journal longer than the state requirements due to their *** operating procedures.

  Business response

  04/19/2023

  April 19, 2023
  Via Web Form
  
  Better Business Bureau
  
  Re:      Case Number ********; *************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ************************* (**************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, Amscot has been unable to locate any record of the transaction described in **************** statement. 
  
  Amscot reached out to ************** at the number provided and left a message. Unfortunately, Amscot has been unable to reach **************  We invite ************** to call us at ************ so we can obtain further information and properly complete an investigation in order to address his concerns.
  
  Amscot values customer feedback and appreciates having had the opportunity to respond.  
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

• Initial Complaint

  02/28/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  This is a complaint THE ISSUE: The Money ************* which is solicited to the local public by AMSCOT is conditional upon disclosure of ones government identification.On Feb-10-2023 I walked into an AMSCOT The Money ****************** located at **************************************************************** to obtain a free money order in the amount of $575.00.The clerk there asked me for Identification. I replied by stating that it is not necessary for this kind of transaction and she proceeded to say that she was going to refuse to provide the company service if I did not disclose and provide to her my State identification to complete the transaction.She further stated that it is AMSCOTS policy to refuse service to anyone in this specific type of transaction scenario that I described above and that I could communicate to the company to obtain this policy information that I am speaking of above.If I do not have a right to private and or anonymous transaction involving a money order as a member and citizen of the general public I need to know. I need to be informed. I need a written explanation.I did not submit a plea to borrow money. I did not request credit or any other service. Your hired employee prevented me from carrying out a private transaction and you forced me to provide my identification which action causes me to deliver this request to ask what are your company grounds for a government identification disclosure demand as a condition to be *****ed a money order?Please provide a state or federal statute to support your corporate policy demand or the business authority to ***** and condition the creation of a money order in exchange for government identification from the purchaser of the free money order.The money order that I received is: #**********

  Business response

  02/28/2023

  Via Web Form
  
  Better Business Bureau
  
  Re:      Case Number ********; *****************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ***************************** (********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  Federal and State law requires Amscot and other financial institutions to obtain, verify, and record information that identifies individuals who conduct certain financial tractions.  Accordingly, Amscot may require customers to show valid government-issued photo ID, to provide their name,address, date of birth, a social security number, information regarding their occupation, as well as other relevant information, such as the transaction details.  ****************mandated practice is prominently displayed in the lobby of each Amscot. 
  
  Amscot insists on strict compliance with existing law and apologizes if this practice created an inconvenience for *********************  Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter,please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot ********************************************************* ***** of Directors and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and *************

  Customer response

  03/02/2023

   
  Complaint:  19509598
  
  I am rejecting this response because:  Your Response is as follows:
  
  "Federal and State law requires Amscot and other financial institutions to obtain, verify, and record information that identifies individuals who conduct certain financial tractions.  Accordingly, Amscot may require customers to show valid government-issued photo ID,  to provide their name, address,date of birth, a social security number, information regarding their occupation, as well as other relevant information, such as the transaction details.  ****************mandated practice is prominently displayed in the lobby of each Amscot."
  This is a sloppy response.  Amscot is being evasive. This is a plastic fake response.   You did not provide me any laws or statutes to backup your claim that I requested.   I want to know the law.
  
  Amscot did not address this complaint by providing the Federal and State Laws that require the mandatory gathering of customers government identification for the purchase of money orders. 
  THE ISSUE IS:  State and Federal Law.  The "sale" of Money Orders and the compelling disclosure of government identification
  
  What is the law in regards to the purchase of money orders?  Please provide the statutes whether they are federal or state.
  Please provide the Federal and State law that obligates Amscot  to compel a customer to disclose his or her government identification for the purchase of money orders.
  What Federal and State law Allows Amscot to condition the sale of a money order upon the disclosure of the customers State or federal Identification.
  Where in your Better Business Bureau response did Amscot provide the statutes Im requesting?
  Please do not respond by quoting to me Amscot's policy. Amscot is not a law maker?
  AMSCOT STATED   "****************mandated practice is prominently displayed in the lobby of each Amscot."
  Is  that mandate that Amscot Stands on intended by the State or federal government to be a secret or hidden from the view of the customers who make up the general public?
  WHERE IS THE MANDATE THAT YOU SPEAK OF CODIFIED.?  WHERE IS THE LAW?  WHERE IS THIS MANDATORY LAW?
  Or is  Amscot privileged to ignore this type of request from citizens of the public who make up Amscot's customer base.
  
  ******************** did not provide to me or quote to me any specific statute in regards to State and Federal Law and or the "sale" of Money Orders and the compelling disclosure of government identification.
  Does "Federal and State law require Amscot and other financial institutions to obtain, verify, and record information that identifies individuals who conduct the purchase of money orders?
  Sincerely,
  
  *****************************

  Business response

  03/10/2023

  March 10, 2023
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *****************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ***************************** (********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  Amscot is subject to various Federal and State laws and regulations.  As previously stated,these laws include the requirement to obtain, verify, and record information that identifies individuals who conduct certain financial transactions. 
  
  Amscots practice is prominently displayed in the lobby of each Amscot. Therefore, ******************** was on notice of this practice when he chose to visit one of our locations. Amscot insists on strict compliance with existing law and apologizes if this practice created an inconvenience for ********************* 
  
              Further review of Mr. ************** suggests that he is looking for legal advice, which Amscot is unable to provide.  Accordingly, Amscot recommends that ******************** consult with a licensed attorney to obtain the answers he seeks. 
  
  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

  Customer response

  03/14/2023

   
  Complaint: 19509598
  
  I am rejecting this response because:

   

  THIS IS A DISPUTE FOR THE GENERAL PUBLIC TO TAKE NOTICE OF.
  
  I the consumer am not asking AMSCOT for any  legal advise whatsoever.
  
  Im asking for AMSCOT FINANCIAL SERVICES to provide to me any law state or federal which gives the company the authority to obtain the respective government identification in exchange for self paid or prepaid Money Orders.  This is not a demand to AMSCOT to provide me any legal advice in regards to a  business matter or in regards to  a financial dispute.
  
  Your response therefore is a subterfuge to confuse the general public.
  
  The Selling of  prepaid Money Orders by Amscot is NOT a financial service.
  
  The Selling of prepaid Money Orders does not involve the pulling of a customers credit profile or involves the loaning of money to a consumer.
  
  The verification of ones identification is NOT necessary for prepaid money orders.
  
  AND it is unlawful for AMSCOT to deceive the public into believing that the consumer is required under a condition to disclose his or her government identity in exchange for an AMSCOT prepaid money order.
  
  AMSCOT has not  and AMSCOT will not be able to prove that it has this states or the federal governments authority to deceptively derive obtain and collect consumers government identification into its computerized data base for money order purchases.
  
  This practice of collecting customer government identification for ********************************************* is a crime. 
  
  This practice is illegal otherwise where is the proof that I have requested from AMSCOT to do this and to deceive money order purchasing customers?
  
  
  AMSCOTS response is a bluff.  There is no law that exists to enforce for this transaction.
  
  In AMSCOTS Response it stated the following: Amscot insists on strict compliance with existing law
  
  Succinctly  provide the codified state and or federal statutes that this company stands on regarding the purchase of money orders.
  
  This is simple. Please provide the codified statute(s) state or federal that I have requested in your next response.
  
  
  The general public will understand that AMSCOT is illegally collecting government identification for the purchase of  prepaid money orders.
  
  The general public should understand that AMSCOT is involved the use of trickery to collect and obtain government identification for money order purchasing customer.  The proof can be seen in this dispute.
  
  What is the proof?  I have already asked AMSCOT to cite any federal  Statute and or any State Statute to backup its authoritative claims within this written Better Business Bureau dispute exchange.  INSTEAD of providing the statutes requested they respond with company gibberish.
  
  Obtaining prepaid money orders from AMSCOT is not a financial service.
  
  Money orders does not involve credit profiles, credit scores, credit worthiness or the lending of money.
  
  Amscot please provide me the state and or federal statutes requested.

  Please use whatever state and or federal statutes that exists to prove your point.
  

  
  Sincerely,
  
  *****************************

• Initial Complaint

  02/03/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am completely irate as I have went to the store with my check stub from my elderly employer. He made mistakes, so they questioned it, but if I come in with my new job information why the h*** are you asking me to verify where I cashed my old checks, if that's not the information I am currently using. I called and spoke to a rude woman name ***** who refused to let me talk to a supervisor or someone who ca help and she tried to hang up on me and cut me off. I am completely ****** I have a family emergency and can t get help.

  Business response

  02/03/2023

  February 3, 2023
  Via Web Form
  
  Better Business Bureau
  
  Re:      Case Number ********; *********************************
  
  To Whom It May Concern:
  
  Amscot Corporation (Amscot) is in receipt of the consumer complaint of ********************************* (**********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, there does not appear to have been any error on Amscots part.
  
  ********************** came to Amscot and applied for a cash advance on January 2, 2023.  Despite Amscots best efforts to verify Ms.Armstrongs income, Ms. ********** application was denied as the income and the supporting financial information provided contained discrepancies.  ********************** immediately received a written notice (commonly referred to as Adverse Action Notice in Federal Law)explaining the reason for the denial. Amscots decision not to provide ********************** a cash advance has no bearing on whether she can obtain a cash advance with another provider.
  
              Amscot has attempted to contact ********************* directly to discuss this matter and help answer any questions she may have but has been unable to make contact. Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

  Customer response

  02/03/2023

   
  Complaint: 19326985
  
  I am rejecting this response because:

  unacceptable! I explained they could call them I explained I cant get information they wanted they then worded to me that I will not be able to get a loan even with my new job until I verify old information that isnt even used anymore. This response is garbage. Im highly disappointed with amscot. If u bring in new info with a completely different job thats what should depend on a decision not old info that didnt get anywhere or loans given out. Im a business woman. Im a paralegal as well. Im not stupid and this response was generic garbage. I need to be treated with a sensible response to the issue at hand not what I was turned down for. The issue is why am I being denied before coming in by telling me to verify something I do not work for anymore!
  
  Sincerely,
  
  *********************************

  Business response

  02/07/2023

  February 7, 2023
  Via Web Form
  
  Better Business Bureau
  
  Re:      Case Number ********; *********************************
  
  To Whom It May Concern:
  
  Amscot Corporation (Amscot) is in receipt of the consumer complaint of ********************************* (**********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, there does not appear to have been any error on Amscots part.
  
  A cash advance application process is consistent for all customers and applies the same to all who wish to apply. Customers must submit, among other things, an application and financial information for review to determine if they qualify.  Unfortunately, not all customers qualify to receive a cash advance. As previously stated, Amscot made every effort to work with ********************** to determine if she qualified.  Ms. ********** request for a cash advance was ultimately denied as the documentation she provided to support her current income contained inconsistencies and inaccuracies which have been explained to her. 
  
  Amscot promptly notifies customers when they do not qualify for a cash advance transaction and the reasons for such a denial as required under applicable laws and as a matter of customer service.  Indeed, upon Ms. ********** denial, she immediately received the Adverse Action letter explaining that the decision was due to unverifiable income. The same process would be followed for any consumer with the same circumstances.  Obtaining a cash advance is not a right but an option a customer may have depending on qualifying information provided which is part of the application and underwriting process.
  
              Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  
  

• Initial Complaint

  02/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  amscott offered me an Azulos plus online account- I wanted to file the complaint againt them but there is nothing listed on your site. They said that I will get ***** sign up incentive once I do a direct deposit , I did my direct deposit and Azulos plus never gave me any funds.I called Azulos plus and was told that they didnt know anything about the incentive, I asked for a manager and they did not provide any. They are charging **** a month or **** per transcation they sent an advertisment about the incentive, but they are not providing it Its false advertisment and misleading to have customers open accounts

  Business response

  02/03/2023

  February 3, 2023
  Via Web Form
  
  Better Business Bureau
  
  Re:      Case Number********; ******* ****** ***
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ****** *** ******* (“Ms. ********). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscot’s part.
  
  Ms. ******* opened an Azulos Plus Account (“Card”) on December 11, 2022.  Customers receive the Card’s full terms and conditions on several occasions, including when the Card is first issued.  Amscot makes every effort to ensure transparency with respect to the terms and conditions associated with the Card and also makes them available online.  As such, Ms. ******* has had the terms and conditions, including any fees associated with the Card, since the inception of her account.
  
  Amscot is a distributor of the Card; Netspend is the program manager.  The incentive mentioned by Ms. ******* was promoted by Amscot but the $50.00 bonus for a first-time payroll or government benefits direct deposit was offered by Netspend.  Accordingly, Amscot encourages Ms. ******* to contact Netspend directly at 800-865-0789 with any questions regarding the promotion and to obtain all the details and requirements of the offer.   
  
  Amscot attempted to contact Ms. ******* directly to discuss this matter but has been unable to make contact.  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint. 
  
                                                                          Sincerely,
                                                                          Amscot Legal Department
  
  cc:       Board of Directors and General Counsel/Chief Compliance Officer
              Charity Waters, Director of Human Resources and Customer Care

  Customer response

  02/06/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. My Azulos plus account was finally credited the $50.00 that was offered to me as an incentive 

  I am happy about the help the Better Business Bureau offered as I was not able to get satisfactory results when contacting the customer service representative at Azulos plus and Amscott.
  
  Sincerely,
  
  ********* *******

• Initial Complaint

  01/03/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I purchased a money order at Amscot to pay a credit card bill. The credit card company did not receive the money order that I sent them. I called Amscot and they said it hadn't been cashed so I put in a claim to get my money back. They made me buy another money order for $12.00 in order to make the claim for over $100.00. I sent the new money order and the claim in to their corporate office and they responded two weeks later with "it will ***********-8 weeks to send a money order to me because they don't know if had been cashed". They have told me repeatedly that it wasn't cashed so I don't know what kind of a game they are playing and so far I don't have my money back.

  Business response

  01/04/2023

  January 3, 2023
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************* (**************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however,there does not appear to have been any error on Amscots part.
  
              Amscot received ************** stop payment claim form on December 14, 2022. The claim form ************** completed to request the stop payment indicates that it takes 30 to 45 days to process. Following receipt of the claim form, Amscot also sent an email confirming the processing time required to issue the stop payment.   The Money Order in question is scheduled to be reissued this week and will be sent to the address provided by ***************
  
  Amscot attempted to call ************** to discuss this matter with her but has been unable to make contact.  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

  Customer response

  01/05/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  12/16/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I received a money order from Amscot the beginning of November of the year 2022 I put in a claim form for my money order because it was destroyed in a liquid accidents. Upon me completing the form and mailing it off with two additional money orders one for $12 and another for $20 becoming a total of $32. It has been over a month since I have heard anything from the company about receiving replacement money orders of both $1000 each. There policy states six weeks but I have been waiting longer than six weeks for a replacement money order for both amounts containing $1000 I have provided evidence that the money orders were never cashed because the *** and also the teller at the bank is unable to read or scan the money orders due to the liquid damage. But it is still taking longer than a month for me to receive any funds of any kind whether its a cash refund or money orders. I would not recommend anyone to get a high priced money order from Amscot due to the processing time in them and not following their own policy. Those money orders were for my rent and utilities at my home so me and my kids would be able to have somewhere to stay with running water and lights.

  Business response

  12/16/2022

  December 16, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************* (******************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  ***************** file indicates she purchased money orders totaling $1,200.00 on November 16, 2022.   Amscot has no record of any other money orders purchased by ******************.
  
  Prior to ****************** feedback to the Better Business Bureau, Amscot had no record of a money order tracer request or any other communication regarding Ms. ***************************** orders.
  
              Amscot reached out to ****************** directly to discuss the matter.  ***************** indicated that she would review her records for the stub for the additional money order mentioned in her correspondence.  Amscot also notified ****************** that, in the meantime, a stop payment has been ordered on the money orders of record and the process to issue the replacement money orders has been expedited. She has indicated that she is pleased with the resolution.
  
  Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter,please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:        ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

• Initial Complaint

  12/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I took out a loan before Hurricane *** to help pay for shelter for my family and I. I could not afford to pay the loan back in full due to lack of hours at work caused by the storm, so I called and made payment arrangements. I was told I had to be in their office by 5 to do so, but I dont get out of work until 5, I work an hour away, and I had to work overtime that day. I was then told that I had until Monday to come in and make the payment. I showed up Saturday morning and was told that I no longer qualified for the payment arrangement because I did not come in Friday. In November, I was contacted by Amscot and we once again agreed to a payment arrangement, but this time, I was informed that I could pay over the phone. I called in today, December 1st, to make the 1st payment and am now being informed that I can make the payment at any Amscot location. I now have a $30 overdraft in my account and am also being charged additional fees by Amscot for the check being sent back. If I had been informed about payment over the phone or being able to pay at any Amscot location when I originally called to set up payment arrangements, I would not owe any extra fees or have my account in the negative because I literally work 1 mile from an Amscot. I was also told I had to be at the *************** location by 5pm and am now being told I have until the time they close at 9. I really dont feel I should have to pay anything back seeing as all of this couldve been avoided had the employees delivered the proper information. I would like this loan wiped from my records, or at the very least, the extra fees should be dropped and I should be reimbursed for the negative balance I had to pay in order to bring my account current.

  Business response

  12/02/2022

  December 2, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************************* (********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  ******************* applied for a cash advance on September 27, 2022, and executed a Cash Advance Application and Cash Advance Agreement (collectively Agreement) in exchange for the funds requested.  The Agreement specifies that the borrower is liable for fees associated with returned payments.  ********************** payment was due on October 7, 2022. 
  
  On October 8, 2022, ******************** came to Amscot and asked about a ********************************** under ******* law and as outlined in the Agreement, the Grace ****** may only be elected prior to the due date.  Accordingly, Amscot offered a due date change to October 31, 2022, which ******************** accepted.  Pursuant to the terms of the Agreement, Amscot deposited ********************** check for payment.  ******** returned the check due to insufficient funds.
  
              Following the returned payment,Amscot worked with ******************** and set up a repayment arrangement consisting of four (4) payments of $62 each beginning on November 30, 2022.  As of the date of this letter, no payment has been received under the agreed-upon arrangement.
  
  Under Chapter 560, ******* Statutes, consumers may not enter into more than one deferred presentment transaction at a time. Each consumer signs a notice that they understand that requirement during the application process. To that end, ******* law requires that each deferred presentment transaction be registered with the **************** at the time of the transaction.  The transaction may only be removed from the states database when the consumer completes repayment.  This is a state law protection in place for consumers that helps measure and ensure their ability to repay their cash advances.
  
              Returned payments may be repaid in cash at any Amscot branch, by debit card over the phone, or online by using the reference number provided in the letter ******************** would have received notifying him of the return.  Amscot does not charge a convenience fee for any of these services. 
  Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter,please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:        ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

  Customer response

  12/05/2022

   
  Complaint: 18490510
  
  I am rejecting this response because: Their information is inaccurate. I called the *************** location twice on October 7th. Once that morning to work out the payment plan, then again later that afternoon to let them know I could not make it to the location by 5. I was then told that I had until that Monday, which wouldve been the 10th to make my first payment. I went to the *************** location on October 8th and was told that I no longer qualified for the payment plan. On October 7th, had I been informed that I had until 9pm to make it to ANY Amscot location to make the payment, then payment would have been received on time seeing as I work 1 mile from an Amscot location and pass it on my way home everyday, and I would not have had to pay any extra fees to my bank or to Amscot. All of this was caused by direct negligence of Amscot employees to divulge the proper information and goes against the fair debt collection act. That is considered deceptive practices 
  
  Sincerely,
  
  *********************************

  Business response

  12/06/2022

  December 6, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************************* (********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  ******************** applied for a cash advance on September 27, 2022, and executed a Cash Advance Application and Cash Advance Agreement (collectively Agreement) in exchange for the funds requested.  The Agreement signed by ******************** sets forth all the terms and conditions of the Cash Advance, including but not limited to, fees associated with returned payments, as well as the requirements of a Grace ******* which are presented in large legible font for the convenience of our customers.
  
  Under ******* law, and as conspicuously outlined in the Agreement, the Grace ****** may only be elected in-person.  As ******************** states in his correspondence,he was unable to go to an Amscot branch in-person on or before October 7, 2022,the due date, to elect the Grace ******.
  
  Amscot nevertheless worked with ******************** to reach a resolution.  Amscot offered to change his due date by extending it to October 31, 2022, which ******************** accepted.  When ******************** did not redeem his check on October 31, 2022, Amscot deposited it in accordance with the terms of the **************** ******** returned the check due to insufficient funds.
  
  Following the return, Amscot again worked with ******************* by setting up a repayment arrangement allowing him to repay the $248.00 over four (4) payments.  As of the date of this letter, no payment has been received under the agreed-upon arrangement.
  
  Under Chapter 560, ******* Statutes, and as stated in the Agreement signed by ********************, consumers may not enter into more than one deferred presentment transaction at a time. To that end, ******* law requires that each deferred presentment transaction be registered with the **************** at the time of the transaction.  The transaction may only be removed from the states database when the consumer completes repayment. 
  
  Amscot offers several convenient ways for ******************** to repay his ***************** can pay in cash at any Amscot branch, by debit card over the phone, or online by using the reference number provided in the letter he would have received notifying him of the return.  Amscot does not charge a convenience fee for any of these services.  
  Amscot attempted to contact ******************** directly to discuss this matter but has been unable to make contact.  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
   Sincerely,
   Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and *************

  Customer response

  12/08/2022

   
  Complaint: 18490510
  
  I am rejecting this response because: As stated before, this could have all been avoided if the employees of Amscot would have given me the proper information. One, I did not have to specifically go to the Amscot location in *************** to make the payment arrangement. Had I been informed that I could go to ANY AMSCOT LOCATION to make the payment plan, I wouldve went to the one on ***********, considering I have to pass it going to and from work EVERY DAY! I couldve taken my hour long lunch break, driven up the street, made the payment plan and first payment on the 7th had I been informed that I could make the payment arrangement at ANY AMSCOT LOCATION. Second, I was told by an AMSCOT EMPLOYEE that I had until the 10th to come in and make the payment when I told them I could not make it to the *************** location by 5pm. This is obviously not true, but this is what I was told on October 7th. This goes against the fair debt collection practices. Had I been properly informed on October 7th that I had until 5pm to make it to ANY AMSCOT LOCATION to make the payment arrangement, I would have and could have easily done so on October 7th. I was not given this information until I called in December. I had to pay negative fees on my bank account, as well as extra fees to Amscot because their employees failed to do their job properly. Im not understanding how Amscot, or anybody else, views this as fair to me. I should not have to pay these extra fees, I should wholeheartedly be reimbursed for the negative balance on my bank account, and the employees of the *************** location should be reprimanded for their negligence 
  
  Sincerely,
  
  *********************************

• Initial Complaint

  11/18/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  On September 1 2022 I visited store 214 in ********** ******* to make my final payment. I am in possession of the receipt which shows $0 remaining balance. Approximately a week after making my final payment, I am barraged by phone calls from the local store that I still owe on this payday loan. For months I have asked for an accounting ledger showing debits/payments to substantiate their claim that I still owe them money - Amscot refuses to do so. I have a receipt signed by an employee which proves the debt was paid in full - at this point I believe the agent who received the money from me stole the cash from the company and did not apply it to my account. Amscot refuses to show any type of paperwork to substantiate their claim that I do in fact still owe them on this debt, despite the fact I have provided them the receipt multiple times via email and in store.Is*** The loan was paid in full. I've been harassed over the phone from local agents who do not understand **** laws and refuse my do not call requests - I've asked to be contacted in writing about the debt and to be shown a ledger that would prove I do in fact owe. If this is not resolved promptly I will be the one contacting you in small claims to collect on your violations of the **** violation fines, which are $500 per call. I've everything documented. I have attached proof of the debt paid in full. I will file small claims and retain an attorney for **** damages as this has gotten out of hand and to the point I have to file a complaint through this portal. To be succinct, if I owe the debt, your store clerk stole my cash - and if this is not cleared up I will be even more keen to *** for **** violations - I've received over 35 calls after asking them to stop. I'm entitled to $500 per unwanted phone call, and will go out of my way to seek legal counsel if I continue to receive the run-around. I have everything documented.

  Business response

  11/18/2022

  November 18, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; ***********************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of *************************************** (************************).We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  ************************ applied for an installment cash advance on February 28, 2022 and executed an Installment Cash Advance Application and Installment Cash Advance Agreement (collectively Agreement) in exchange for the funds requested.  ************************ had six payments due under the Agreement as follows:
  
  Pmt # Ck no Due date Amount Due Paid Date Other Notes
  1 ***** 3/18/2022 $155.62 3/17/2022 Paid in full
  2 ***** 4/1/2022 $155.62 3/31/2022 Paid in full
  3 ***** 4/15/2022
  Deferred to 6/10/2022 $155.62 Unpaid Returned and unpaid
  4 ***** 4/29/2022 $155.62 5/4/2022 Returned. Paid in full
  5 ***** 5/13/2022 $155.62 5/18/2022 Returned. Paid in full
  6 ***** 5/27/2022 $155.62 8/11/2022
  And
   9/1/2022 Returned. Paid in full over 2 payments: $25 on 8/11/22 and $130.62 on 9/1/2022
  
  ************************ made payments one, two, four, and five either before, or shortly after, their respective due dates.  ************************ requested and received a deferral for payment number three.  Payment number six and deferred payment number three both returned.  As such, at the end of the term, ************************ had two payments outstanding, for a total of $311.24.
  
  On August 11,2022, ************************ made a payment of $25. This reduced his balance due to $286.24. On August 30, 2022, Amscot submitted the check for payment three in the amount of $155.62 for redeposit.  When ************************ came to the Amscot branch on 9/1/2022, the remaining balance appeared to be $130.62 as this amount assumed the redeposited check for payment three would clear. Regrettably, the bank subsequently dishonored the check for payment three.  Accordingly, a balance of $155.62 remains on this installment cash advance.
  
              Amscot sincerely apologizes to ************************ for his negative experience and for any confusion.  Amscot is committed to customers and takes consumer feedback seriously.  To that end, Amscot has noted that *********************** no longer wishes to receive phone calls.  We invite ************************ to contact us at ************ at his convenience if he has any further questions or if he wishes to discuss repayment of the remaining balance. We hope this adequately addresses the inquiry and resolves the complaint. 
  
                                                                         Sincerely,
                                                                         Amscot ********************************************************* ***** of Directors and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

• Initial Complaint

  11/03/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Amscot asks intrusive questions when you just want to buy a money order.First you have to show a drivers license to get a ********************** order.They asked me,"Are you working?"I said, "No."They then asked, "If you are not working, Where did you get the funds to buy this money order?I told them, "I pulled it out of my mattress."They then asked, "What are you using this money order for?"I told her, "I was going to wipe my a** with it." It's none of your business.She was not going to give me the money order or my money back, so i gave her some bullsh1t answers and got out of there.I called HQ about their polices about these intrusive questions and the guy on the phone kept repeating, "We are a financial institution" and would not tell me why I was being asked these intrusive questions just to buy a money order.I told him that ********* ANY BANK never asked me such intrusive questions when cashing a check or making a withdraw or deposit. and the banks are financial institutions"Do not use AMSCOT for anything. I think they are the Stasi for the ********* IRS and NSA.My advice is go to 7Eleven. They don't even ask for ID and you can get a hotdog while you are there.

  Business response

  11/08/2022

  See attached document

  Amscot is in receipt of the consumer feedback of ***************************** (******************). We thank you for bringing this matter to our attention. Federal law requires Amscot and other financial institutions to obtain, verify, and record information that identifies those individuals who conduct certain tractions, such as wire transfers. Accordingly, Amscot requires customers to show valid government-issued photo ID and to provide their name, address, date of birth, a social security number, information regarding their occupation, as well as other relevant information, such as the transaction details. This government-mandated practice is prominently displayed in the lobby of each Amscot branch. The same information, along with Amscots privacy policy, is also available on Amscots website. Amscot apologizes to ****************** for his negative experience. Amscot is committed to its customers and takes consumer feedback seriously. Amscot reached out to ****************** directly to address his concerns. ****************** indicated that he appreciated the call and was happy with the outcome. Amscot values customer feedback and appreciates having had the opportunity to respond. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  

   

  Customer response

  11/09/2022

   
  Complaint: 18351861
  
  I am rejecting this response because:

   

  First of all, this was not a "Wire transfer", I was buying a money order.

  NO financial institution has ever asked me, "Are you working at the moment?"

  NO financial institution has ever asked me "If you are not working, Where did you get the funds for this money order?"

  I NEVER cashed a check, or made a withdraw at a bank and was asked, "What are you planning to do with this money?"

  I NEVER made a deposit at a bank and was asked, "Where did you get this money for the deposit?"

  It's none of your business.

  If you believe the transaction was unlawful for some reason, report it to the "un-named" government agency on your wall. When they come asking the same questions, I will have lawyer ready to answer them.

  I have nothing to worry about.

  I pay my taxes. I don't steal, I don't sell drugs, I don't run guns or support terrorists.

  I will never use your services again and I will discourage everyone I know from using your services also.
  
  Sincerely,
  
  *****************************

  Business response

  11/11/2022

  November 11, 2022
  
  Re:       *****************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer feedback of ***************************** (******************). We thank you for bringing this matter to our attention.  Amscot has reached out to ****************** to address his concerns directly.  
  
  Amscot values customer feedback and appreciates having had the opportunity to respond.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and *************

• Initial Complaint

  10/19/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a company that paid an employee with a company ck, the employee went and cashed the ck. Amscot keeps telling me they have the ck and it's no good. but I have a copy of a cancel ck from the bank showing its cleared. I ask for a fax or email to send it to them but they keep treating legal action if i have a cleared ck how is this my responsibility

  Business response

  10/19/2022

  October 19, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************* (************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
              On October 10, 2022, ************ issued a business check payable to an employee in the amount of $911.05.   The same day, the employee came to Amscot to cash the check.  Amscot took the check in good faith, for value, and without notice that the check would be dishonored.  Amscot cashed the check for ************** employee and deposited the check for payment.  ******** dishonored the check due to a duplicate presentment. Amscot subsequently learned that the employee attempted a mobile deposit before bringing the original check to be cashed.
  
              Amscot holds the original check and is a holder in due course under Fla. Stat. ********.  A holder in due course is a legally protected status that entitles the holder of a check to payment. Specifically, Fla. Stat.673.4141 entitles a holder in due course to obtain payment on a returned check from the party who wrote the check, in this case, ************** business.  ******* law does not make an exception for checks returned due to duplicate presentment. A licensed ******* attorney can advise ************ of the legal remedies available to him under the circumstances.
  
  Nevertheless, as a courtesy to ************, Amscot has made a note to stop contacting ************ as to this check. Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and *************

  Customer response

  10/20/2022

   
  Complaint: 18241505
  
  I am rejecting this response because: Amscot told me that this was an error by **** of ******** I was to contact them of which I did they said that Amscot has no right to collect and **** of America does to reverse money on this type of case and advise me that I was not responsible. And stated that it was an attempt to intimidate me to deal with their problem. Ags I did nothing wrong and it there business to cash ck how I am responsible for this when the money was taken out of my account so I have nothing wrong. I am not a collection agency for there company I did not send my employee to cash the ck. If you think this is fair business practice I ****** it fraud on them trying to force me to collect for them.

  
  Sincerely,
  
  *********************

  Business response

  10/21/2022

  October 20, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************* (************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
              As previously stated, Amscot holds the original check and is a holder in due course under Fla. Stat. 673.3021.  A holder in due course is a legally protected status that entitles the holder of a check to payment. Specifically, Fla. Stat.673.4141 entitles a holder in due course to obtain payment on a returned check from the party who wrote the check, in this case, ************** business.  Liability under this provision is not based on fault.  Additionally, ******* law does not make an exception for checks returned due to duplicate presentment. 
  
              The Check Clearing for the 21st Century Act (Check 21) is a federal law applicable to banks.  Check 21 contains provisions that allow parties like ************ to work with their bank to recover the funds that were deposited through the mobile application. Accordingly, when the check in question returned, ************ was referred to his bank in an effort to help him as the provisions of Check 21 do not negate or eliminate Amscots position as a holder in due course or the check issuers liability under ******* law.  A ******* licensed attorney can properly advise ************ of the recourse he has under the circumstances.
  
  Finally, as Amscot is not affiliated with ************** bank, Amscot has no control over what the bank representative told ************ or whether the bank representative had the requisite knowledge or authority to speak on the subject. Amscot again recommends that ************ contact a licensed ******* attorney who can properly answer his questions.
  
  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

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